Captive Insurance… Why Your Experience Modifier Still Matters—Even in a Captive 30 Jun 202528 Jun 2025 In the world of group captive insurance, business owners are constantly told a comforting half-truth: "Your workers' compensation premiums are based on your actual losses—not your experience modifier." While technically…
Uncategorized Major 2024 Changes to Experience Mod Calculation in Pennsylvania: What Employers Need to Know 17 Nov 2023 The Pennsylvania Compensation Rating Bureau (PCRB) introduced major changes to workers' compensation Experience Modifier calculation, which will take effect from April 1, 2024. These changes are significant for employers, marking…
Uncategorized FAQ: Coronavirus and the workplace 23 Apr 202020 Apr 2020 Q. Can employers ask employees who exhibit symptoms to leave work and stay home? A. Yes. The CDC states that employees who become ill with symptoms of COVID-19 should leave the…
Uncategorized Prequalifying your business can be money in the bank 18 Apr 201814 Apr 2018 Companies are constantly looking for ways to give themselves a competitive advantage. Often times, it's their Experience Modification Factor (MOD). It's easy to overlook since employers tend to be somewhat…
Uncategorized What employers should expect from an insurance agent 9 Oct 201710 Sep 2017 My fellow Institute of WorkComp Professionals educator wrote this article to summarize items that an employer should expect from their insurance agent when it comes to helping the employer to…
